Storage Fees under Garage Coverage July 2, 2012 Our insured was doing mechanical work on a customer's car and the employee took the vehicle out for…

Discusses the earth movement exclusion in both commercial and personal lines policies.

Federal Workers Compensation Endorsements June 21, 2012 Workers Compensation on a National Level Summary: Workers compensation laws and programs are…

Return of Unearned Premium June 25, 2012 My question is related to return of unearned premium following payment of policy limits after a total loss.…

Pollution Exclusion and the Commercial Auto Liability Policy   The plaintiff appeals from an order granting summary judgment to the defendant that…

Blanket Coverage Discussed—Archived Article 2 September 2005 Advantages and Disadvantages Summary: There are two basic methods of insuring commercial…

Recommending Extended Nonowned Coverage—Archived Article September, 2001 For Company Cars, Rented Autos, Etc. Summary: There are times when…

Explain the Reason for Coinsurance to Your Insureds—Archived Article December, 2001 Using This Example Will Make It Easy Summary: It is…

Leased Employees   June 20, 2012 Workers Compensation and Liability Exposures Summary: A leased or borrowed employee is defined as one who is…

July 2012 Intro Page   Dec Page   The term "occurrence" appears a number of times in standard liability policies, and disagreement as to its…